Heritage Bank
Topeka, KS · Cert 57548 · Peer group: banks under $1B in assets (n=581-629) · Heritage Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$324.9MAssets
$238.0MLoans
$278.6MDeposits
$36.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets (rank 96 of 629).
- Widest gap: nonperforming loans / loans trails 76% of banks under $1B in assets (rank 444 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.44%
Rank 162 of 629
Net Interest Margin
4.33%
Rank 96 of 629
Efficiency Ratio
53.63%
Rank 107 of 629
Equity / Assets
11.12%
Rank 282 of 629
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 83% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.60% | 1.01% | 1.45% | Beats 74% | 162 / 629 | | |
| Return on Equity | 12.92% | 5.38% | 9.30% | 13.28% | Beats 73% | 171 / 629 | | |
| Net Interest Margin | 4.33% | 3.03% | 3.54% | 4.05% | Beats 85% | 96 / 629 | | |
| Efficiency Ratio | 53.63% | 58.35% | 67.79% | 79.08% | Beats 83% | 107 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.09% | 0.46% | 1.20% | Beats 24% | 444 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 59% | 242 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 11.24% | 13.84% | 18.77% | Beats 44% | 352 / 629 | | |
| Total Risk-Based Capital Ratio | 14.24% | 11.58% | 14.43% | 19.66% | Beats 48% | 327 / 629 | | |
| Equity / Assets | 11.12% | 9.09% | 10.65% | 13.80% | Beats 55% | 282 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.40% | 67.24% | 80.90% | 93.48% | 58th pctl | 247 / 594 | | |
| Loans / Assets | 73.24% | 53.31% | 67.71% | 78.15% | 62nd pctl | 242 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |